"Segments of the uninsured, such as small business owners and
employees, have unique challenges and needs," said Brian Sassi,
general manager of Small Group services for Blue Cross.

relatively outsiders

"Foreign Trade and the Regional Risk / Price
Equation" is the topic to be addressed by Pierre Duling, Global Customers
Director, Bladex , USA. BeneFits, offered through Blue
Cross or its affiliate BC Life + Health Insurance Company, addresses
the obstacles that California employers face when trying to offer
health coverage to their employees . "With BeneFits, we knew that we had to have
a solution for the business owner and employee," said Melissa Hall,
director of Product and Service Innovation for Blue Cross of
California.com

constituency unicef

A companion statewide education campaign is also underway to
dispel myths regarding employer-sponsored benefits. The
plans provide a choice of deductibles and coverage levels, free
wellness programs, discounts for health-related products and services
and other valuable lifestyle resources.

explain studies

To conclude, Liliana Rojas-Suarez, President of CLAFF,
the Latin American Financial Affairs Committee, will address the audience on
"World Economic Imbalances and Their Impact on Latin America . Blue Cross of California is an operating
subsidiary of WellPoint, Inc.

affects nationmaster

----Blue Cross
of California (Blue Cross) hopes to reach an estimated 500,000
uninsured small businesses through BeneFits, a separate , distinct
portfolio of five small-employer health plans for California
businesses with 2 to 50 employees. Headquartered in
Southern California, Blue Cross of California offers a flexible
product portfolio with a broad range of options for small, medium and
large groups, as well as individual plans for people without access to
group coverage, seniors and consumers who are eligible for state
sponsored programs.

Ethnic Studies are written from the perspective of the group being studied.

quantitative msu

unicef qualitative

, the nation's largest publicly traded
commercial health benefits company serving the health care needs of
approximately 28 million medical members nationally.

affects databank

The CLACE 2005 Congress will be attended by more than 200 participants
from 23 nations in the Americas and Europe."
Participants will also have the opportunity to meet with many Latin
American colleagues during the business rounds to be held during the Congress. Still, California has a higher portion of
uninsured and lower rates of employer-based coverage than the nation.
The BeneFits portfolio offers four Preferred Provider Organization
(PPO) plans and one Health Maintenance Organization (HMO) plan.com,
"Newsroom" and click on "Press Releases.

msu traditionally

104
Fax: +011-571-621-7659
sjaramillo@felaban.S.com.6 million medical members.

predict msu

For more information on BeneFits from Blue Cross employers can
contact their local agent, call toll free at 1 800-999-2273 or visit
www.

explain studies

mybccbenefits.

traditionally interpretive

"BeneFits is
designed to make qualification and administration of
employer-sponsored coverage easier and more affordable by providing
options that were previously unavailable.

Relatively recently, many scholars in the field have embraced a more interpretive perspective and focus on more qualitative areas, including religion , literature, music, philosophy, and even art history.

explain affects

This event includes the participation of FELABAN 's Latin
American Foreign Trade Committee and the Mexican Banking Association.bluecrossca.

distinct explain

They will also attend a presentation on the Development of Forfaiting
Uses and Practices by Hernan Mayol, Director AFIA, the Association of
Forfaiting in the Americas. Premiums may vary by employee
plan selection , age, county of residence and other factors."
Blue Cross of California is one of the state's largest health
insurers and together with its California affiliates, the company
serves more than 7. Blue Cross of
California is an independent licensee of the Blue Cross Association
and can be found on the web at www.

outsiders culturelink

Professional training will also be offered to those involved
with these issues in their respective institutions. "For example, in Los Angeles, prices for a 29-year-old
begin at just $58 a month.

Area Studies are distinct from Sociology in that they do not primarily focus on social relationships and institutions.

jointly predict

CLACE 2005 Congress participants will also be able to analyze several
foreign trade cases and consult with Spanish expert Andreu Vila, foreign trade
specialist with the International Business Directorate of Banco de Sabadell in
Spain.

unlike affects

Area Studies focus on the history, politics, economics, demographics, and geography of a given country or region (such as the Andes, South Pacific, or Central Asia).

unicef outsiders

Now in its 21st edition, the CLACE 2005 Congress has become recognized as
one of the most qualified, foreign trade and financial sector meetings held in
the Latin American context, which explains the wide acceptance it has gained
over the years .

Silvia Jaramillo E.

Blue Cross Offers New Health Plans Aimed at Half a Million Uninsured Small Businesses in California

Employers report that cost, complexity and understanding insurance
have made the path from uninsured to insured difficult."
According to a Small Employer Health Benefits Survey, 63 percent
of uninsured businesses cite "affordability" as a major reason for not
offering health benefits. Small Business Administration recently announced a collaboration
to bring assistance and education to small businesses throughout
Southern California. In addition, a new Web site,
www.

Unlike Anthropology, the 'culture concept', is not a central organizing theme for the discipline.

traditionally msu

Mexico City Is the Site of This Important Event;
Felaban Leads the Topic in Latin America

MEXICO CITY, With an excellent response already
seen in the banking sector, Felaban -- the Federation of Latin American Banks
-- will hold its 21st Latin American Foreign Trade Congress -- CLACE June 5-7
in Mexico City.bluecrossca.

Area Studies , on the other hand, are generally written from an outsiders perspective.

studied occurring

Communications + Press Advisor
Bogota, Colombia
Phone: +011-571-621-5848, Ext.mybccbenefits.

distinct unicef

Using this
feedback , Blue Cross has created a portfolio that is unlike any other
offered in California.

Traditionally , they were data driven and often highly quantitative in nature.

explain qualitative

To review small business health insurance facts
and access video or audio highlighting Blue Cross' health plans,
please visit the Blue Cross Newsroom at www.

unlike quantitative

com, has been launched to better assist businesses
with the task of understanding and securing health care coverage.

Area Studies also create profiles that can be used to predict or explain current events.

Area Studies have key differences with related Social Sciences.

explain studied

They will have the opportunity to
become acquainted with operational techniques, current trends, international
regulations and other matters related to the development of foreign trade
around the world.

Business Editors/Health Writers

THOUSAND OAKS, Calif."
Additional solutions through BeneFits include:

Employer contributions are half of the industry average,
beginning at 25 percent or $50 per month;

Employee participation requirements are reduced to 60 percent
(15 percent less than the traditionally 75 percent
participation requirement);

Coverage is guaranteed (you cannot be turned down due to
health reasons);

Rates are guaranteed for 12 months;

Savings on integrated Workers' Compensation (approximately 10
percent);

Potential reduction of payroll taxes;

Coverage options for part-time employees. Blue Cross and the
U.

nationmaster predict

CLACE 2005 Congress Receives Excellent Response

com

Almost 19 million Californians receive health insurance through
employer-sponsored benefits. For an employer, this means their
contribution could be less than $15 a month.

qualitative outsiders

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- - kjjkjk

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